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Future Generali
Heart and Health Insurance Plan

Comprehensive
critical illness plan

Coverage from 59
critical illnesses

Option to get your
premiums back

Lumpsum payment
on Diagnosis

Tax benefits
under section 80C & 80D

Ready to fight critical
illness expenses?
already have a quote?
Retrieve it here.

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Features

Cover from Early Stages

Get paid on diagnosis of any of the listed minor/moderate/major illness categories

Flexibility to choose your plan

Heart Cover, Critical Illness Cover, Heart Cover with Return of Premium, Critical Illness Cover with Return of Premium

Option to get your premium back

Receive the premiums you have paid by you on maturity under the Return of Premium Plan options

Waiver of Premium Benefit

If you are diagnosed with any of the defined minor or moderate conditions, get your premiums waived for 5 years!

High Cover at Low Premium

A 35-year-old male can get a Rs 10 lakh Critical Illness Cover for 10 years for a monthly premium of about Rs 447 including taxes

Buy for Yourself and Your Family

Buy individual policies for each family member

ELIGIBILITY

POLICY TERM & PREMIUM PAYMENT TERM ( IN YEARS )
(POLICY TERM EQUALS TO PREMIUM PAYMENT TERM)
10 years, 15 years, 20 years, 25 years, 30 years and 75 minus age at entry
Product Options Entry Age Maturity Age
  Minimum - Maximum Age (in years) Maximum Maturity (in years)
Heart Cover 18 - 65 75
Critical Illness Cover 18 - 65 75
Heart Cover with Return of Premium 18 - 50 75
Critical Illness Cover with Return of Premium 18 - 50 75
Cover Amount Options (in INR)
5 Lakh, 10 Lakh, 20 Lakh, 30 Lakh, 40 Lakh, 50 Lakh
Premium Payment Mode
Annual, Quarterly, Half Yearly, Monthly

4 quick Steps To Buy

1
2
3
4

Choose your Cover Amount and Policy Term

Cover Amount Options

5 Lakhs

10 Lakhs

20 Lakhs

30 Lakhs

40 Lakhs

50 Lakhs

Policy Term Options

10 years

15 years

20 years

25 years

30 years

75 minus age at entry

Choose your coverage option

Option 1 - Heart Cover

Option 2 - Critical Illness Cover

Option 3 - Heart Cover with Return of Premium

Option 4 - Critical Illness Cover with Return of Premium

Submit all your documents online

Fill your details and pay your premium online

Why should you buy

Multiple Claim Benefit

You can claim upto 2 times under the minor and moderate stage claim category and upto a maximum limit of the Cover Amount

Fixed Benefit Payout

On diagnosis of critical illness or undergoing surgical procedure covered under the plan.

Online Discount

Avail a discount on buying it directly from our website life.futuregenerali.in

How It works

Diagnosed with minor stage heart-related condition

What is covered

Heart Cover & Heart Cover with Return of Premium Option
Minor Illness Conditions (25% of Cover Amount is paid on diagnosis)
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If you are detected with a minor condition then you will get 25% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

Moderate Illness Conditions (50% of Cover Amount is paid on diagnosis)
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If you are detected with a moderate condition then you will get 50% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

Major Illness Conditions (100% of Cover Amount is paid on diagnosis)
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If you are detected with a major condition then you will get 100% of the Critical Illness Cover Amount after deducting for any cover amount that you claimed for a minor/major condition during the entire life of the Policy.

Percutaneous Heart Valve Surgery Pericardectomy Myocardial Infarction
(First Heart Attack of specific severity)
Angioplasty Surgery to Place Ventricular Assist Device or Total Artificial Hearts Open Chest CABG
(including Keyhole CABG)
Surgery for Cardiac Arrhythmia Minimally Invasive Surgery to Aorta Open Heart Replacement Or Repair Of Heart Valves
Infective Endocarditis Insertion of a Defibrillator / Pacemaker Major Surgery to Aorta
Carotid Artery Surgery Cardiac Arrest Heart Transplant
Secondary Pulmonary Hypertension Primary Pulmonary (Idiopathic) Hypertension
Cardiomyopathy
Critical Illness Cover & Critical Illness Cover with Return of Premium Option
Heart Related Minor Conditions (25%)
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If you are detected with a minor condition then you will get 25% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

Heart Related Moderate Conditions (50%)
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If you are detected with a moderate condition then you will get 50% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

Heart Related Major Conditions (100%)
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If you are detected with a major condition then you will get 100% of the Critical Illness Cover Amount after deducting for any cover amount that you claimed for a minor/major condition during the entire life of the Policy.

Percutaneous Heart Valve Surgery Pericardectomy Myocardial Infarction
(First Heart Attack of specific severity)
Angioplasty Surgery to Place Ventricular Assist Device or Total Artificial Hearts Open Chest CABG
(including Keyhole CABG)
Surgery for Cardiac Arrhythmia Minimally Invasive Surgery to Aorta Open Heart Replacement Or Repair Of Heart Valves
Infective Endocarditis Insertion of a Defibrillator / Pacemaker Major Surgery to Aorta
Carotid Artery Surgery Cardiac Arrest Heart Transplant
Secondary Pulmonary Hypertension Primary Pulmonary (Idiopathic) Hypertension
Cardiomyopathy
Cancer Related Minor Conditions (25%)
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If you are detected with a minor condition then you will get 25% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.
Cancer Related Moderate Conditions (50%)
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If you are detected with a moderate condition then you will get 50% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

Cancer Related Major Conditions (100%)
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If you are detected with a major condition then you will get 100% of the Critical Illness Cover Amount after deducting for any cover amount that you claimed for a minor/major condition during the entire life of the Policy.

Early Stage Cancer   Major Stage Cancer
Carcinoma in Situ    
Critical Illness Minor Conditions (25%)
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If you are detected with a minor condition then you will get 25% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

Critical Illness Moderate Conditions (50%)
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If you are detected with a moderate condition then you will get 50% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

Critical Illness Major Conditions (100%)
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If you are detected with a major condition then you will get 100% of the Critical Illness Cover Amount after deducting for any cover amount that you claimed for a minor/major condition during the entire life of the Policy.

Guillain Barre Syndrome Endovascular surgeries performed by neurosurgeon
  • Stroke Resulting In Permanent Symptoms
  • Multiple Sclerosis With Persisting Symptoms
  • Permanent Paralysis Of Limbs
  • Coma Of Specified Severity
  • Kidney Failure Requiring Regular Dialysis
  • Major Organ /Bone Marrow Transplant
  • End Stage Lung Failure
  • End Stage Liver Failure
  • Loss of Limbs
  • Blindness
  • Third Degree Burns
  • Major Head Trauma
  • Deafness
  • Loss of Speech
  • Apallic Syndrome
  • Medullary Cystic Disease
  • Aplastic Anaemia
  • Benign Brain Tumour
  • Motor Neuron Disease With Permanent Symptoms
  • Alzheimer's Disease
  • Muscular Dystrophy
  • Parkinson’s Disease
  • Poliomyelitis
  • Systemic Lupus Erythematosus
Nephrectomy/removal of one kidney Insertion of cerebral shunt
Chronic Glomerulonephritis Bacterial Meningitis
Portal vein Thrombosis Small Bowel Transplant
Severe COPD Cirrhosis of the Liver
Ulcerative Colitis Chronic Pancreatitis
Pancreatic Cyst Brain Surgery

Testimonials

Souvik Banerjee

“I look at Future Generali Insurance plan as the perfect gift for my loved ones. I gifted myself the protection on New Year's and for my wife on her birthday!”

Shaunak Acharya

“It's a big step up personally, being a father. You constantly are on your toes, on how to deliver the best to the newest member of your family. Well I had taken Future Generali Insurance plans previously and when I came to know that one of the plan is available for my 15-month old son Siddhanth, never hesitated to ring fence against any possible downside. I plan to extend Future Generali products for my other immediate family members in the near term.”

Hemant Kumar

“I have protected myself and wife through Future Generali Inurance Plans. Opted for Lump Sum Cover with Income Benefit for self as I am the breadwinner, and Lump Sum Cover for my wife. It's better to act on time than to regret later.”

FAQs

1. What is FG Heart & Health Insurance Plan?

FG Heart & Health Insurance Plan is an Individual / Non - Linked / Non - Participating / Fixed Benefit Health plan which pays lump sum to the life assured on diagnosis or undergoing the surgical procedure of the listed Minor, Moderate or Major stage Critical Illness as per options chosen.

2. How Does FG Heart & Health Insurance Plan work?

This is a regular premium payment Individual / Non - Linked / Non – Participating/ Health plan

As per your requirement, choose the option:-

  • Option 1 - Heart Cover
  • Option 2 - Critical Illness Cover
  • Option 3 - Heart Cover with Return of Premium
  • Option 4 - Critical Illness Cover with Return of Premium

Pay the premium till the end of policy term

Receive lump sum on diagnosis or undergoing the surgical procedure of the listed Minor, Moderate or Major stage critical illness

On diagnosis/undergoing the surgical procedure of the Minor or Moderate critical illness, premiums will be waived off for the period of 5 policy years or till the end of the policy term, whichever is earlier. (Only once during the policy term)

Death benefit in case life assured dies during the policy term

Maturity Benefit if life assured survives till the end of policy term (Available only with option 3 and 4)

3. Why do I need FG Heart and Health Insurance Plan?

Life is about enjoying all big and small moments with those who matter to you. And, these moments are best enjoyed when you are healthy and worry free. The modern lifestyle however, exposes us to many risks arising on account of lack of exercises, irregular eating schedule, sedentary work habits and erratic sleep patterns etc. Therefore, while prevention is the best solution, preparedness is equally important.

Presenting the Future Generali Heart and Health Insurance Plan, a comprehensive health protection plan, that safeguards you and your family against financial risks arising out of any defined unforeseen medical emergency. The plan provides a fixed financial benefit that will help you cover medical costs, especially in case of critical illness which require a long term treatment, cost of second opinions, post treatment nursing and above all a loss of income during the affected period.

4. What are the key features of this plan?

Provides Comprehensive Health Cover - Get cover against 59 Critical Illnesses and surgical procedures including Heart and Cancer related ailments. You have an option to opt for a separate Heart Cover as well that will provide cover against 18 Heart Related illnesses and surgical procedures.

  • Flexibility to Choose your cover – you can choose from the available 4 options basis your needs
  • Lumpsum Payout on diagnosis/undergoing surgical procedure of the listed illnesses
  • Inbuilt Death Benefit – Has death cover from day 1 with all the options
  • Multiple Claim Benefit – Claim upto 2Minor or 2 Moderate conditions provided you have not exhausted your Sum Assured
  • Waiver of Premium Benefit - If you are diagnosed with any of the defined minor or moderate conditions, your premiums will be waived for the following 5 years. This means that the plan continues without you having to pay premiums for 5 years
  • Provides option to get your premiums back on maturity
  • Buy for Self and Family - You can also buy this plan for Your Spouse, Children and Parents. You will
  • have to buy individual policy for each family member.
  • 5% Discount on premium rates on buying directly from our website
  • Tax Benefit under both section 80C and 80D

Copyright © 2016. Future Generali India Life Insurance Company Ltd. All Rights Reserved.

Future Generali India Life Insurance Company Limited (IRDAI Regn. No.: 133) (CIN: U66010MH2006PLC165288). Regd. Office & Corporate Office address: Indiabulls Finance Centre, Tower 3, 6th Floor, Senapati Bapat Marg, Elphinstone Road (West), Mumbai - 400013. Fax: 022-4097 6600, Email onlinesales@futuregenerali.in | Call us at 1800 102 2355 | Website: life.futuregenerali.in
UIN No.: 133N069V01

For more details on risk factors, terms and conditions, please read the sales brochure carefully and/or consult your Advisor and/or visit our website before concluding a sale. Tax benefits are subject to change. Future Group’s, Generali Group’s and IITL Group’s liability is restricted to the extent of their shareholding in Future Generali India Life Insurance Company Limited.

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS.
IRDAI clarifies to the public that: IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.